Users

In the Fuze platform, the concept of a "User" is central to managing identities and their associated financial activities. These are the entities on whose behalf transactions are performed and for whom assets are managed.

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Understanding Key User Categories

Fuze defines two primary user categories, each with unique roles and compliance needs. Recognizing this distinction is fundamental for effective integration with our platform.

This distinction helps you effectively manage both your clients' assets and your own organization's financial operations on the Fuze platform. The two primary types are End-Users (the individual or business customers your organization serves) and Organizational Users (which serve distinct purposes for your organization's internal operations or for managing accounts on behalf of your platform's own end-users).

End-Users (CONSUMER)

Purpose: End-Users are the individuals or businesses that form your client base. These are the ultimate beneficiaries of the financial services you provide, powered by Fuze's infrastructure.

• Onboarding and Identity: When you bring a new End-User onto your platform, they are registered as a distinct entity within Fuze.

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  KYC/KYB is Essential for End-Users

  End-Customers must undergo robust identity verification – Know Your Customer (KYC) for individuals, or Know Your Business (KYB) for corporate entities. Successful verification is mandatory to access most financial services.

• Asset Ownership: Once verified, End-User can have Fuze-facilitated internal wallets (for cryptocurrencies) and internal accounts (for fiat currencies) created under their name. They are the beneficial owners of the assets held in these dedicated wallets/accounts.
• Lifecycle Journey:
  1. Creation: Your application initiates the creation of an End-User record via the API. You will assign an unique identifier from your system (orgUserId) to link this Fuze entity back to your customer records.
  2. Identity Verification (KYC/KYB): The End-User undergoes the necessary identity checks. Their status will reflect the progress and outcome of this verification.
  3. Activation: Upon successful verification, the End-User becomes fully active, enabling them to use the financial functionalities you offer.
  4. Ongoing Management: The End-User's status (e.g., active, suspended, requires re-verification) is managed throughout their lifecycle. The same is communicated to you via webhooks.

Organizational Users (Internal/Operational Users)

Purpose: "Organizational Users" (or Internal Users) are user records created by your organization (the Fuze client). They serve two primary, distinct functions, both operating under your main organization's KYC/KYB with Fuze:

1. Managing Your Organization's Own Funds & Operations:

   • You can create Organizational Users to represent internal departments, operational functions (e.g., treasury, payouts), or to segregate your company's own capital held on the Fuze platform. This allows for granular control, accounting, and internal management of your organization's assets.

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   Simplified KYC for Internal Company Use

   When used for your organization's direct internal financial operations, these Organizational Users leverage your main organization's KYC/KYB. This simplifies managing your company's funds without needing separate KYC for each internal designation.

2. Providing Platform-Controlled Accounts for Your End-Customers:

   • This powerful model is for platforms (e.g., gaming, SaaS, marketplaces) that want to offer distinct, segregated ledgers to their own end-customers within Fuze, but without passing each end-customer through individual KYC directly with Fuze.
   • How it Works: Your platform, already KYB'd by Fuze, creates an "Organizational User" in Fuze to represent each of your end-customers. Fuze provisions separate wallets and accounts for these Organizational Users (your end-customers), enabling segregated balances. Your platform maps these Fuze user IDs to your internal customer records and typically handles its own primary customer due diligence.

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   Scalable Customer Ledgering with Centralized KYC

   This approach enables your platform to offer individualized ledger capabilities to a large user base with greater operational efficiency, using Fuze for the underlying segregated account infrastructure while your organization manages the direct customer relationship and primary KYC/due diligence.

API Interaction (General):

The Fuze API provides endpoints to manage the lifecycle of both End-Customers and Organizational Users. This includes creating these user entities (specifying their type, such as "USER" for End-Customers or "ORG_USER" for Organizational Users) and ensuring they are associated with the appropriate KYC/KYB processes (individual for End-Customers, or linked to the main organization for Organizational Users).

Your choice of user type during creation is fundamental as it dictates the applicable KYC pathway, the intended use of the user record, and how associated assets are treated from a beneficial ownership perspective.